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CARDZ3N Reviews & Complaints
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Overview
In this review of Card Z3N, we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific services provided. By the end of this review, you will have a clear understanding of whether Card Z3N meets your payment processing needs.
About CARDZ3N
Founded in September 2018, CARDZ3N is a merchant account provider that offers both standard-risk and high-risk credit card processing. In 2021, CARDZ3N acquired CyberPayments Solutions.
![](https://www.cardpaymentoptions.com/wp-content/uploads/2024/07/CardZ3n-homepage.webp)
CARDZ3N Products and Services
Payment Processing
The company provides a broad spectrum of retail and e-commerce solutions for various business types, including high-risk sectors such as adult entertainment, auto parts, collections, credit repair, diet programs, e-cigarettes, electronics, extended warranties, fantasy sports, financial services, firearms, online furniture sales, multi-level marketing, nutraceuticals, online gaming, precious metals, self-storage, and travel. Additionally, the company offers payroll, business capital, and payment gateway services. Their services include POS solutions, mobile solutions, ACH payments, international payments, payment gateways, virtual terminals, and payroll services.
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CARDZ3N Customer Reviews
Here's What Their Clients Say
Total Online Complaints | None |
---|---|
Live Customer Support | Yes |
24 Hour Support | Yes |
Lawsuits | None |
No Public Complaints
Our search revealed no negative CARDZ3N reviews. This lack of complaints might be attributed to CARDZ3N’s relatively recent entry into the market. While it’s promising, the absence of merchant feedback should be viewed with cautious optimism. It’s important for users to share their experiences, so if you have a CARDZ3N review, please contribute in the comments section.
CARDZ3N Lawsuits
We have not discovered any outstanding class-action lawsuits or FTC complaints against CARDZ3N, suggesting no significant legal concerns at this time.
CARDZ3N Customer Service Options
CARDZ3N provides 24/7 customer support through various channels, including phone, live chat, and a CRM helpdesk. This commitment to accessible support is a good indicator of their dedication to customer service.
Available CARDZ3N customer support contact:
(702) 623-3528 – General Support
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CARDZ3N Online Ratings
Here's How They Rate Online
Total Complaints | 0 |
---|---|
Resolved Complaints | 0 |
Clean Complaint Record
CARDZ3N currently has an “A+” rating from the Better Business Bureau and has been BBB accredited since April 2019. The company has received 0 complaints since its profile was created in April 2019.
What Merchants Say
CARDZ3N has received 1 informal review to its BBB profile, which is negative. This review describes iffy sales practices:
* CONSUMER BEWARE * I was interested in this company’s merchant processing services. I dealt with the owner, Joshua B********, although he didn’t make it known to me that he was the owner until I asked to speak to his manager when he resisted being transparent. He emailed me an agreement to sign, but the agreement was just between me and the bank. When I questioned some statements on the agreement, Josh stated that a lot of the info in the bank’s agreement wasn’t in line with how his company operates. When I asked him for an agreement between me and his company (Card Z3n), all he said was that all the information was on their website. I told him that info on websites are meant to be changed, and it is NOT considered a contract. He disagreed and then told me I’m not a good fit for his company. In other words, educated customers are his worth nightmare when they begin to question the “contract.” *BUYER BEWARE *
This merchant would be better served by one of our top-rated processors. It should be noted, however, that CARDZ3N disputes the above claim.
An “A” Performance
Given the fact that the BBB’s profile for CARDZ3N has not received any complaints, we agree with the BBB’s rating. Merchants should be aware that there are still good reasons to be skeptical of the BBB’s rating system.
CARDZ3N Fees, Rates & Costs
A Closer Look at The Contract
Swiped Rate | 1.00% - 4.99%+ |
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Keyed-In Rate | 1.00% - 4.99%+ |
Level 3 Processing Plan Monthly Fee | $15 |
Level 3 Processing Rate | Interchange + $0.15 |
Lite Plan Gateway Fee | $10 |
Pro Plan Gateway Fee | $15 |
Elite Plan Gateway Fee | $20 |
Lite Plan Gateway Transaction Fee | $0.10 Per Transaction |
Pro Plan Gateway Transaction Fee | $0.10 Per Transaction |
Lite Plan Gateway Transaction Fee | $0.15 Per Transaction |
Early Termination Fee | Undisclosed |
PCI Compliance Fee | Undisclosed |
Equipment Lease Terms | Undisclosed |
Variable Contract Terms
CARDZ3N rates are not publicly disclosed, and there are no merchant comments that mention specific rates or CARDZ3N fees. As an all-purpose payment processor active in multiple countries, it’s likely that the company’s contract terms and pricing will vary depending on each merchant’s business type, location, and processing history. Currency conversions and a merchant’s designated settlement currency could also impact payouts from CARDZ3N. CARDZ3N sells physical hardware from Clover and Poynt, so it is possible that the company signs merchants up for long-term, non-cancellable equipment leases.
Payment Gateway Pricing
Though CARDZ3N does not disclose the terms and conditions of its retail payment processing rates and fees, the company’s website lists the costs of its payment gateway services. CARDZ3N offers three monthly plans, its Lite, Pro, and Elite Plans. The Lite Plan costs $10 per month and charges $0.10 per transaction as a gateway fee. The Pro plan costs $15 per month and also charges $0.10 as a gateway fee. The Elite Plan costs $20 per month and imposes a gateway fee of $0.15 per transaction. We encourage merchants to compare CARDZ3N’s rates to the companies that provide the best merchant accounts.
Level 3 Processing Services
In addition to its traditional merchant services, CARDZ3N also advertises that it provides Level 3 processing for B2B transactions. Level 3 processing relies upon different interchange rates than traditional consumer credit transactions. Accommodating those rates requires different payment processing technology from a merchant account provider to transmit the amount of data required to facilitate the transactions. These services are reserved for B2B and B2G purchases that utilize corporate credit cards. According to the CARDZ3N website, it charges a $15 monthly fee and an additional $0.15 per transaction for Level 3 processing.
High Risk Means High Fees
High-risk merchants who sign up with CARDZ3N should expect to pay higher-than-average fees, and they may also be subject to cash reserves on their accounts. This is standard practice within the industry due to the elevated risk of chargebacks that many high-risk merchants pose. High-risk merchants can reduce their risk of fund-holds and chargebacks by being open and transparent with CARDZ3N about their business type and product lineup from the start.
No Red Flags
We cannot find any CARDZ3N complaints related to the company’s pricing, and there’s no reason to believe that the company’s merchants are dissatisfied with their pricing at this time. It is possible that CARDZ3N offers a wide range of potential contract types, so merchants should understand how to spot undesirable terms in their contract.
CARDZ3N Employee Reviews & Sales Tacitcs
Should You Work For Them?
Employs Independent Resellers | No |
---|---|
Advertises Deceptive Rates | No |
Discloses All Important Terms | Yes |
Engages In Telemarketing | Unknown |
In-House Sales Team
CARDZ3N rates as a reliable merchant services provider according to our rating criteria. The company enjoys a clean complaint record and appears to rely on an in-house sales team and inbound marketing to advertise its services. There is no evidence that the company employs independently contracted sales agents, and we have not found any CARDZ3N reviews that mention deceptive conduct or misrepresented fees. We will therefore assume for the time being that the company’s sales approach is transparent and ethical. This compares favorably to our list of best credit card processors.
CARDZ3N Rate Quotes
CARDZ3N claims to offer “flat rate, interchange plus, cash discount and other pricing structures” to all merchants, so merchants will want to obtain quotes across all possible pricing plans in order to compare their potential savings.
Our CARDZ3N Review Summary
Our Final Thoughts
Card Z3N ranks as a dependable merchant services provider based on our rating criteria. The company has maintained an unblemished complaint record and demonstrates a willingness to serve some high-risk merchants. This clean reputation is commendable, showcasing Card Z3N’s commitment to addressing the specific needs of a varied client base. However, the lack of detailed information about the company’s pricing and fee structure leaves some uncertainty. This opacity necessitates that merchants carefully review and clarify costs directly with Card Z3N before entering into any agreement.
We will continue to monitor the company closely and update this review as more details become available. In the meantime, merchants are encouraged to compare Card Z3N’s pricing against other top-rated, all-purpose payment processors to ensure they secure the most favorable terms. While the company’s transparent complaint record is reassuring, merchants should remain vigilant in thoroughly understanding contract terms and evaluating other market options to identify the payment solution that best aligns with their unique business requirements.
Location & Ownership
CARDZ3N is headquartered at 4262 Blue Diamond Rd Ste 191, Las Vegas, Nevada 89139, and does not list its acquiring bank. Joshua Benedetti is the CEO of CARDZ3N.
If you found this article helpful, please share it!
Jaxson Peggy
I’ve been using CARDZ3N for my business needs, and I must say, it’s been an absolute game-changer. The convenience and efficiency it brings to managing my cards and payment processes are unmatched. From designing personalized cards to seamless payment transactions, CARDZ3N has it all covered.
I appreciate how user-friendly the platform is, making it a breeze to navigate and customize my cards according to my brand identity. The customer support team has also been phenomenal, always ready to assist and address any queries promptly.
Thanks to CARDZ3N, I now have a more professional and impressive approach to representing my business through eye-catching cards. If you’re looking for a reliable and modern solution for all your card and payment needs, I highly recommend CARDZ3N. It’s simply fantastic!